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This page was last modified on 4 July 2016 at 1:25pm.

Bank Australia Basic Home Loan - Variable (Owner Occupier)

Pay no ongoing fees on a competitive variable rate home loan.

NAB Choice Package Home Loan - 2 Year Fixed (Owner Occupier P&I)

A fixed rate package with flexible repayment options. 350K NAB Rewards Points offer available. Terms and conditions apply.

Greater Bank Ultimate Home Loan - Discounted 1 Year Fixed LVR ≤90% ($150K+ Owner Occupier)

Discount off an already competitive interest rate for loans over $150k. NSW, QLD and ACT residents only.

IMB Budget Home Loan - LVR <=90% (Owner Occupier, P&I)

Get a competitive rate without features you may not use.

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2 Responses

  1. Default Gravatar
    VickiFebruary 6, 2016

    Just turned 65, does this have a vast impact of getting a morgage loan

    • Staff
      BelindaFebruary 8, 2016Staff

      Hi Vicki,

      Thanks for reaching out.

      Appling for a home loan at this age may prove more difficult but your ability to qualify for a loan will depend on the type of home loan that you’re applying for as well as your income, assets, credit history and any existing debt that you have (e.g. credit cards or personal loans).

      Unfortunately many lenders will view you as a high-risk borrower if you’re no longer in the workforce and therefore do not have a steady income source. As a result, you may be charged higher fees or a higher interest rate depending on the individual lender’s policy.

      It’s strongly advised that you speak to a mortgage broker regarding your borrowing options to ensure that you apply for the right type of finance for you. For instance, you may want to consider a fixed-rate home loan for greater certainty and security of knowing what your repayments will be.

      You can learn more about the risks involved when applying for finance during your retirement years on this page.

      All the best,
      Belinda

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